Budget Woes

June 14, 2011

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{Blazer: Thrifted (Centerville DI), Lace Top: Thrifted (Layton Savers), Lace Skirt: Thrifted (Centerville DI), Shoes: TJ Maxx (Madden Girl)}

Hubby and I finally took the plunge...We are now on a budget...If I had to narrow down a concept that peeves me the most it would be: being a on budget. Hubby is beyond thrilled to say the least (I secretly think he has been hoping and praying for this day to come for years). See I have the type of personality that thinks a budget is confining, I mean hey I'm a couponer/thrifter/sale rack shopper, I do any and everything that I can to save money. The thought keeps crossing my mind, "Why do I have to be on a budget?" Hubby says this will make it so our money will work for us instead of us being a slave to our money. All I know is that I was a slave to the budget this past weekend when it wasn't "in the budget" for me to get a much needed cheeseburger ;) (love you boo). As you can see our opinions differ greatly, my mantra for the past week has been: marriage is about compromise...marriage is about compromise.
And so I turn to you friends, since you have never led me astray. Any of you out there feel this way? How do you all budget? Do you do the Dave Ramsey thing? The envelope thing? I need your tips friends, see I want to like the budget I really do, perhaps I am going about this the wrong way? Also perhaps I am just being immature...wouldn't be the first and probably won't be the last ;). But any and all tips/advice/comments would be of help guys! Help me love the budget...or at least be able to tolerate it ;). Love, love.

Lace | Everybody, Everywear

Meet Virginia Design


ps: Linked up to Thriftaholics Weekly yet?

pps: Entered yet?

65 comments :

  1. We've never been on a "budget" per se, but we do use financial tools like Mint & Yodlee. It's a money aggregator (see all of your assets & liabilities in one place). You can break down where your money goes each month (I love pie charts!) & see where you can cut back. The visualization of where our money goes helped me be a ton more conscious about $$. We used this a lot when we first moved to the bay area & were broke + paying $1600 to rent a one bedroom.

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  2. loving that lace skirt! and oh man, yes budgeting - really trying to work on that so i don't think i have to much advice to give. sometimes the best advice i have is to leave my credit card and wallet at home. ha!

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  3. My husband and I have been budgeting (using Dave Ramsey's tools) for 2 years now. I made my own envelopes, and absolutely love using cash. I hate the debit card! It was hard for hubby to get used to being on a budget, when we first started, but we stuck with it. I even have days during the month where I just have the desire to go shopping. That is when you MUST MUST MUST have blow money set aside. You need money you can blow on anything. Like that cheeseburger. :)
    I found that we spent SO much money on food for the two of us that we were going in the hole each month. Wasn't worth it to me or the hubs. I like being in control of the money, but that's how I am.

    Try and find some way that you will love it, and stick to it! It does get easier, but you have to stick with it!

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  4. We've been on a budget for many years and use envelopes (didn't know some guy started it) to keep everything separate. You'll get used to it after a couple of months. We use our debit card for bills and cash for everything else.

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  5. I love this outfit, such a great colour for a lace skirt!

    We just went on a budget a few months ago and I have to say even thought it sounds like a restricting thing to do it's quite liberating in the end, because you feel like you have things under control and are doing the best for the future.

    Embrace your limitations!

    Have a great day,

    Virginie ♥

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  6. Such pretty lace!! I'm swooning over here!

    About the budgets, I'm horrible at them. I just make sure I never owe anything, other than that, I'm horrible at saving. I'm trying to get better at it though. Just hang in there and hopefully it will get easier! And then you can give me pointers!

    Lidi @ Eclectic Flair

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  7. That lace skirt is adorable!! I've never been on a budget, but I feel like I'm always trying to save money and not really accomplishing that. Maybe I need a... I'm gonna say it... budget. Nooo!! I'm no help.

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  8. Oh budgets... You're right, at first you want to punch them in the face (if only they had a face so you could look your enemy in the eye). But if you're like me, later you will see that the whole budget thing can kinda be fun. I know, I know, I sound crazy, but stick with me.

    I am a little bit competitive by nature, and a budget gives me a way to live that out productively. I can compete with myself each month to see how I can save. It really does end up being fun!

    It is embarrassing to share my old ugly blog, but I wrote a WHOLE blog post about mint.com a while back
    http://jkkiddingourwaythroughlife.blogspot.com/2009/10/mints-and-money.html.

    I only want to share the link with you because there is no way I can do mint.com justice in a comment. This website is such a GREAT way to help you see where your money is going. All the places that you didn't even think of! My husband and I used it for a while just living and spending like normal, and then once we got a good basis of what are spending was, we could use the site to set up budgets. It gives you advice on how to save and warns you if you are about to go over budget. All around... it is the BEST thing to ever happen to our finances! Oh, and it is FREE to use (which only makes sense right).

    Right now I am going to participate in the 30 for 30 just to keep myself on a better shopping budget for a month. I'm like you, I think, "I buy clothes at thrift stores. I'm SUPER frugal." I don't know if this is you, but I feel like I think because I know what great deals I am getting, I feel like it is okay to go and get them all the time, which ends up not so much saving me... whoops. Hopefully the 30 for 30 will help me take a break ;)

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  9. Don't call it a budget, then...call it a spending plan. :) I was like you, three years ago. And then we took Financial Peace University and it changed my life. And our marriage. I absolutely love it!

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  10. I should have mentioned that my husband and I posted about our journey to financial peace that you might be interested in checking out! http://wordsofwilliams.com/our-debt-free-story/

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  11. We've been on a budget for years. We have sort of an electronic envelope system for groceries, gas and pet supplies. It all comes out of one account and I track it with a spreadsheet online. I do love Yodlee for tracking totals and making notes so that I can remember what I spent $100 on at Target last month.

    It sounds like you shop in my neck of the woods! You give me hope that I will find more good deals on cute stuff out there.

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  12. Hello, I found your blog through Everybody, Everywhere.. I love the pops of colour in your outfit.

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  13. Double lace is just doubly wonderful! Don't worry I make myself cringe with corniness, so feel free to do the same :)

    Hope the budgeting goes ok!

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  14. We're on a modified budget that works for us. We have different bank accounts and we know how much we can spend in each... so we have one that is for "fun" stuff, one that is for "expenses" like food and gas, and one that is for all of our set bills like cell phone and such.

    I like it because there are less categories, no spreadsheets or anything crazy. I can check online how much money I have left and know when more money is coming.

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  15. I feel like I am reading something I would have written this week :) We do a $50 limit each month for me and Trey. Then if there is anything else that we need/want for "the family" we talk about it. It works out pretty well for us.

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  16. My husband and I layed down a budget before we got married. We have it on a shared excel Google doc, broken down by Food, rent, medical, travel, misc. We write down everything we buy, and I love it! I love knowing where my money goes and love seeing us save money. While it does irritate me sometimes, I mostly love being on a budget. Good luck!

    North Meets South

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  17. Ugh...you KNOW budget is like a swear word to me, I get offended when I hear it! I think it is AWESOME that you guys have set one. Once again I am inspired by the Bshaws. You can DO it!

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  18. ugh budgets are the WORST! but they really do help. i'm currently on one as well. it's funny, once you get in the groove, you don't really miss all the extra junk you threw your money away on :)

    -suzanne
    awkwardly chic

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  19. i'm supposed to be on a budget, but i always forget to update it.
    the centerville d.i. is like a gold mine! you always seem to know when to go in order to find the cutest things.

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  20. the hubs and I make a budget... then it goes by the wayside. Then we make on again...and it disappears.

    I don't know. We tried Mint for awhile but it kept confusing things for us (like it couldn't tell when we transferred $$ from checking to savings.)

    I know we should have a hard and fast budget... but we don't. We just try to be cheap...

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  21. I love the colors in this outfit. And, though I suppose I should be focusing on the lace, I have to say that I love your haircut. I'm too afraid to go for bangs, but yours look great!
    Thanks for joining us at EBEW!

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  22. Love Love Love this skirt!

    It took me forever to find a budget "system" but now I have one it works well for me. I posted a little about my system here:

    http://stufffast.blogspot.com/2011/03/stuff-fast-2011-update.html

    It is really not that bad once you get used to :)

    Good luck

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  23. Strict budgets kill me! but on better news I LOVE your lace!

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  24. You are so gorgeous! I love the double lace and the blue & orange are a great combo!

    Mint & Mellow

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  25. We're on a really tight budget because my husband is going to law school, and it's hard but it helps to see where all the money is going. If I only see that I get to use this much, it's hard. But I see how much we're spending/saving it's easier. It's something I'll always have to work on.

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  26. Boo for budgets... I hate those. Cute outfit and great job thrifting though!

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  27. my fiance and I are currently saving for our wedding in November - it is SUPER hard work. Oh, and your hair and make up are simply divine. And your lace of course ... my fave.

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  28. lol all i gotta say is i have no money to budget :) i make just enough to pay my rent... and i just use my store $$ to buy more for my store, so when the store isnt doing well, new items arent added :) money sucks doesnt it??


    <3 steffy
    Steffys Pros and Cons

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  29. I need a budget. Never had one so I don't have any advice on that.
    But I can say that I LOVE how you painted your nails, and the lace and that you're awesome at thrifting.

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  30. Ahhhh I love everything about this outfit! If I had to pick one favorite thing I think it would have to be that beautiful blue skirt. Once again sends me into thrift store envy. As far as budgeting goes, I'm super frugal so that I can buy clothes :) Who knows if that will change once I get married ha! My male coworker was exasperated because his wife buys so many pairs of shoes and purses. He was trying to figure out why a woman needs so many different clothing items and it was cracking me up. They just don't understand!

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  31. I cannot help you. Budgets stink (though I hear they are very useful).

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  32. We have tried getting ourselves on budget, but it never works haha

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  33. i adore this combo! the color of this skirt is something special :) i wish i could participate in this challenge, but i have no lace :( :(

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  34. That is an incredible blue skirt. I'm seriously in love with it already. As for a budget, I haven't needed one yet. I expect when I start grad school in a year that the story will be different, though.

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  35. um, i need to be budgeting too, but i've been failing at that so i am no help. LOL.

    i do want to say that i love this outfit - that necklace adds the perfect punch!!! fabulous!


    caroline - pictures & words

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  36. Thanks to the high cost of children, we have been on a 'budget' for years - I have been thrifting (we call it op shopping) forever - I grew up in hand-me-downs and op shop clothes, or stuff my mum/nan made.

    Even with that very happy mind set, the decision (taken jointly) to curtail ALL spending in the interests of getting out of here at the end of the year, has hit hard. I mean, dammit - if I see a pair of shoes in the op shop that will work, why can't I have them? I used to have the $5 rule, if they were less than $5, they were mine, if more, walk away, and if I was still dying for them tomorrow, go back.

    We don't have credit cards, so that helps - but there are days where a big splurge would help so much. To wit, after tax time, I am hitting the kids department HARD - I can get me awesome pants for $20 - brand new, and they are way cooler than the woman's ones for double the price - take that budget!

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  37. I keep a budget on Mint.com and it gives me all kinds of charts and graphs that shame me into keeping with the budget. When you see how much you spend in a pie chart... it's pretty humbling. ;) My parents use the cash envelope thing, but my main budget motto is that a budget must evolve, and that if I say "I only have 100 a month for cloths" I will invariably go over budget. SO make sure your budget is realistic for YOU, and let it evolve practically as you use it. A budget should be comfortable to help you keep from straying! Of course... I'm not the best budgeter ever, so good luck!

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  38. You're so pretty and I LOVE that outfit on you!!

    I have created so many budget spreadsheets in my life, it's ridiculous! But do I adhere to the spreadsheet? Um, NO! The only thing that has worked for me is splitting my bills between the 2 paychecks per month. Then I would pay bills first and then the rest is mine. I would then just watch my account so I had enough for necessities (like gas and food) and then just let the rest go where it goes.

    But I definitely don't recommend doing it that way. I actually want to get on a budget right now but I don't know how plus I think it would be harder for me since my husband and I have separate accounts. I think I would just rely on him more than I should.

    Right now, the only thing I'm making myself do as a form of a budget is saving $100 per paycheck and placing a shopping ban on myself until September. Good luck to both of us in our money saving endeavors!!

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  39. Budgets...great topic. I started the Dave Ramsey plan and I'm still working on it. Unfortunately while I'm doing his "snowball" I found that I was still shopping alot...so right now I'm on a shopping trim...I was calling it a shopping ban, but I can't quit cold turkey. So I've just decided to buy a few things each week, instead of the ridiculous shopping sprees that I normally do, and I try to focus on things I really want to include in my wardrobe. Like I've decided that I really want more colorful shoes, so I plan to buy a new pair of shoes every week...so I guess technically this is a "Bugdet" but I put no dollar amount to it..

    Shasie
    Live Life in Style

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  40. Just discovered your blog! So cute! And I keep on finding all of these Mormon fashion bloggers! It's awesome! I'm one too! :) Love your style!

    For the budget, I'd say look at like a challenge to see what you can get and can find within your budget. That's what I do.

    http://galwithcurves.blogspot.com/

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  41. I hate being on a budget!! story of my life!! Love the skirt! cute cute cute

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  42. We're doing Dave Ramsey too! It's tricky and sometimes restricting to have a budget, but seeing the benefits is amazing! I love the feeling of accomplishment and control, but don't always love feeling restricted. Way to go on the thrifting! I'm way impressed.

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  43. First what a great outfit! It's so delicate and pretty.
    On the budget front we aren't on one at the moment, although we need to be I think, so I intend to implement one when we move to our new flat in a week. I am doing an internship that is unpaid so money is really tight, and I can see how a proper budget will help. Hope it goes ok for you.

    Daisy Dayz Home
    Cross-Jones-Photography Home

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  44. I started my budget at the beginning of this year. I keep tab of everything that I spend and I mean literally everything. I'm going to compare my totals with what I spent last year and see how I've done. Eeekkk I'm kinda scared!

    http://thriftyandshameless.blogspot.com

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  45. I am NOT the person to ask about a budget. I just don't keep track.....oh well. I do know when I feel like my bank account isn't at the level I want it I will stop buying expensive stuff for a month or 3...I love this blog and your style is AWESOME! I love how you mixed the lace in this outfit. I am going to follow you for awhile. Cheers! Sherry @ Girls Day Out gdo-family.blogspot.com

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  46. I am NOT the person to ask about a budget. I just don't keep track.....oh well. I do know when I feel like my bank account isn't at the level I want it I will stop buying expensive stuff for a month or 3...I love this blog and your style is AWESOME! I love how you mixed the lace in this outfit. I am going to follow you for awhile. Cheers! Sherry @ Girls Day Out gdo-family.blogspot.com

    ReplyDelete
  47. We're doing Dave Ramsey too! It's tricky and sometimes restricting to have a budget, but seeing the benefits is amazing! I love the feeling of accomplishment and control, but don't always love feeling restricted. Way to go on the thrifting! I'm way impressed.

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  48. Just discovered your blog! So cute! And I keep on finding all of these Mormon fashion bloggers! It's awesome! I'm one too! :) Love your style!

    For the budget, I'd say look at like a challenge to see what you can get and can find within your budget. That's what I do.

    http://galwithcurves.blogspot.com/

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  49. That is an incredible blue skirt. I'm seriously in love with it already. As for a budget, I haven't needed one yet. I expect when I start grad school in a year that the story will be different, though.

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  50. We have tried getting ourselves on budget, but it never works haha

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  51. You are so gorgeous! I love the double lace and the blue & orange are a great combo!

    Mint & Mellow

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  52. Love Love Love this skirt!

    It took me forever to find a budget "system" but now I have one it works well for me. I posted a little about my system here:

    http://stufffast.blogspot.com/2011/03/stuff-fast-2011-update.html

    It is really not that bad once you get used to :)

    Good luck

    ReplyDelete
  53. the hubs and I make a budget... then it goes by the wayside. Then we make on again...and it disappears.

    I don't know. We tried Mint for awhile but it kept confusing things for us (like it couldn't tell when we transferred $$ from checking to savings.)

    I know we should have a hard and fast budget... but we don't. We just try to be cheap...

    ReplyDelete
  54. i'm supposed to be on a budget, but i always forget to update it.
    the centerville d.i. is like a gold mine! you always seem to know when to go in order to find the cutest things.

    ReplyDelete
  55. Ugh...you KNOW budget is like a swear word to me, I get offended when I hear it! I think it is AWESOME that you guys have set one. Once again I am inspired by the Bshaws. You can DO it!

    ReplyDelete
  56. I feel like I am reading something I would have written this week :) We do a $50 limit each month for me and Trey. Then if there is anything else that we need/want for "the family" we talk about it. It works out pretty well for us.

    ReplyDelete
  57. Double lace is just doubly wonderful! Don't worry I make myself cringe with corniness, so feel free to do the same :)

    Hope the budgeting goes ok!

    ReplyDelete
  58. Hello, I found your blog through Everybody, Everywhere.. I love the pops of colour in your outfit.

    ReplyDelete
  59. That lace skirt is adorable!! I've never been on a budget, but I feel like I'm always trying to save money and not really accomplishing that. Maybe I need a... I'm gonna say it... budget. Nooo!! I'm no help.

    ReplyDelete
  60. I love this outfit, such a great colour for a lace skirt!

    We just went on a budget a few months ago and I have to say even thought it sounds like a restricting thing to do it's quite liberating in the end, because you feel like you have things under control and are doing the best for the future.

    Embrace your limitations!

    Have a great day,

    Virginie ♥

    ReplyDelete
  61. We've been on a budget for many years and use envelopes (didn't know some guy started it) to keep everything separate. You'll get used to it after a couple of months. We use our debit card for bills and cash for everything else.

    ReplyDelete
  62. We've never been on a "budget" per se, but we do use financial tools like Mint & Yodlee. It's a money aggregator (see all of your assets & liabilities in one place). You can break down where your money goes each month (I love pie charts!) & see where you can cut back. The visualization of where our money goes helped me be a ton more conscious about $$. We used this a lot when we first moved to the bay area & were broke + paying $1600 to rent a one bedroom.

    ReplyDelete



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